Separate names with a comma.
Discussion in 'Credit Talk' started by Kristi, Nov 2, 2000.
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
primor® Secured VisaClassic Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit. Guaranteed approval*!
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
Has anyone tried this?
They don't tell you how much it costs. They only tell you that they will contact you by email in 1-2 business days.
Anyone know how much it costs?
Still not for consumers
It looks like they are giving lenders this information so they can share it with the consumers. When will we be able to get our scores?
And is the beacon score the same as the fico score?
Yes, Kristi, it's amazing how smart all of us consumers become suddenly when (a) FI is being FORCED to give consumers their scores, and (b) since that is the case, they decide to make lemonade (money) out of the lemons (forced disclosure).
All these years, we have heard NOTHING but lame-lame-lame excuses from FI and the CRA's except about why we couldn't access our FICO scores, except, "It's too complicated for the consumer" OR "It has to be taken in context of a loan"...blah-blah-blah-on-and-on-blather-blather-blather.
Funny how making a scheckel or two changes their moral and business ethics (what a laugh!) compass 180 degrees, huh?
Consumers can sign up
If you go through the signup process they have a button for consumers. Click on the button and a consumer can sign up. They just give you the guide they give Lenders.
I just submitted my info
For all interested in obtaining your FICO guide analysis, go to "www.ficoguide.com"
Then click on "New Memeber Signup" on the side of the page.
Click continue, read the agreement and accept, then you get to the info page. Click the "Consumer" buttom. It will ask for your email address and a password for you to create. Then they ask for cc number, address, etc. They will contact you by e-mail in 1-2 business days with your confirmation key, which is used to purchase analyses.
Analysis ONLY ????
From what I can tell, this is for the ANALYSIS only; that is, you must ALREADY have the FICO score and reason codes, (secured presumably from a lender).
I was under the impression, and perhaps others were, that the analysis was available ALONG WITH and BASED UPON a real-time FICO score.
Please let us know how yours turn out. Without a real-time FICO score, the value of the analysis is diminished.
I want my scores not just anal
How, do I get my scores?
I want to be able to get a credit report from each of the CRA with the FICO scores, without going to a lender. I don't want to have to involve a lender in this.
This is how it works.....
You need a report with the score and the codes. Then the analysis will explain all of them to you.
"To generate a FICO Guideâ?¢ analysis, please select the credit bureau providing the score, enter the score value, and the associated reason codes. Click "Purchase" to continue. "
After choosing the CRA and inputting the score and the codes the next screen looks like this
"You are about to purchase a FICO Guide analysis. Before proceeding, please verify that the following information is correct:
4 10 18 12
If you wish to change your request, use your browser's "Back" button or click the "Back" button below and correct the information you provided.
Click the "Finish" button below to receive your FICO Guide analysis. By doing so, you authorize a charge of $ 8.00 to the following account:
Visa # ****************
Billing your card and generating the analysis may take a couple of minutes, please be patient.
When you click "Finish", the purchase will be charged to your credit card account, and your FICO Guide analysis will be produced. Once you leave the page containing the analysis or close your browser, you will not be able to re-display it. For best results, we strongly recommend that you print a copy of your analysis, using the "Print" button located on the left navigation area of your FICO Guide analysis."
So basically this is only good for people who already have the reports. The trick is the get the reports with the scores. There has to be some place you can pull your report as a lender and get the information.
Perhaphs go to a landlord site and sign up and pull your report?
RE: This is how it works.....
This is basicly useless. I am not sure were I found it, but I already have a listing of what each of the reason codes mean.
It is basically useless. And it costs 8.00
RE: Has anyone tried this?
3. How much does the FICO Guide service cost?
There is a fee of $8 for each analysis requested. All costs are payable by credit card only.
It was under FAQ.
Not worth a penny
Yes Mo you need your scores and factors, and gosh my merged report has factors and what they mean, I don't need to pay 8.00 to tell me what i already know
RE: I want my scores not just
There really is no other way to get your scores other than lenders or car loan places, unless you have a friend in the mortgage business, you are kinda out of luck. Of course TU is going to be releasing consumers their scores when they request their credit reports by the end of the year, atleast that is the latest on their websites, not much longer now.
? About Mortgage Brokers
Can you go to a broker tell them you are looking into getting a house ina year and would like ot have them run your three reports and give you the scores?
That's exactly what I did!!
I contacted a lender and said I wanted to look into my chances of a mortgage next summer, he said he would pull my reports, I said okay BUT you must tell me my scores or no deal, it worked and yes I finally know my scores a couple a hard inquiries, but worth it to me